IRFC

INDIAN RAILWAY FIN CORP L·RAILWAYS 41.06NBFC 37.97·Finance Companies

2026-10-22 NSE BSE Result 15 Oct

Price

77

+0.26%
O:76.8
H:77.73
L:75.6
C:77

52W Range

74.06137.17
+4%/-44%

Market Cap

₹1,00,627.50 Cr

Traded: ₹68.53 Cr (0.07%) 0.0x

Free Float: ₹12,065.24 Cr (0.57% of FF traded)

Volume · 60D trend

89.18 L 0.0x

Delivery: % 0.0x

View Delivery Data

Returns

1W:+0% 1M:-0% 3M:-11% 6M:-23% 12M:-32%

RS Score

SEEM
NOUS
BNF
SMA Score

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Valuation

P/E13.7
P/B1.8
P/S--
EV/EBIT--

Business Strength

ROE0.0%
ROCE-103.0%
OPM--
NPM--

Growth (3Y CAGR)

EPS+7.6%
Sales+5.0%
Profit+3.0%
3Y Return+1.0%

Balance Sheet

Debt/Equity7.7
Debt4,36,470 Cr
Pledge0.0%
CWIP/Fixed Asset55.6%

Cash Position

CFO/NP-385.6%
FCF-27,030 Cr
FCF 3Y Avg-10,895 Cr
Cash/MCap3.0%

Others

Div Yield0.0%
Div Payout39.0%
Cash Conv. Cycle--
Tradeable Free Float12.0%
IRFC77 0.26% NSEBSEF&O20% 15 Oct
NOUS
BNF
MCap100.6K Cr
Vol89.18 L
RVol
Del%
TVal68.53 Cr
RS
SEEM

MTF Exposure Trend

60 sessions · funded amount, % of FF, daily delta

Current
₹ 595.06 Cr
4.93% FF
60d high
₹ 767.74 Cr
60d low
₹ 590.11 Cr
60d mean
₹ 659.68 Cr
vs mean
▼ 9.79%

Growth Trends

Metric10Y5Y3Y1YTTMTrend
Sales
+14.0%
+12.0%
+5.0%
--
+13.0%
Stable
Profit
+24.0%
+10.0%
+3.0%
--
+8.0%
Stable
Return
--
+27.0%
+1.0%
-37.0%
--
Decelerating
ROE
+13.0%
+14.0%
+13.0%
--
--
Stable

Quarterly Results

Sep 2026

15 Oct
Rev
--
+23% YoY--
OPM--
NPM--
PAT
+10% YoY▲2.0K Cr
EPS
--▲1.5

Jun 2026

30 Jul
Rev
--
+19% YoY--
OPM--
NPM--
PAT
+10% YoY▲1.9K Cr
EPS
+10% YoY▲1.5

Mar 2026

PDF
Rev
--
+9% YoY--
OPM--
NPM--
PAT
+0% YoY▼1.7K Cr
EPS
+0% YoY▼1.3

Dec 2025

PDF
Rev
--
-2% YoY--
OPM--
NPM--
PAT
+11% YoY▲1.8K Cr
EPS
+10% YoY▲1.4

Sep 2025

PDF
Rev
--
-8% YoY--
OPM--
NPM--
PAT
+10% YoY▲1.8K Cr
EPS
+11% YoY▲1.4

Jun 2025

PDF
Rev
--
+2% YoY--
OPM--
NPM--
PAT
+11% YoY▲1.7K Cr
EPS
+11% YoY▲1.3

Mar 2025

PDF
Rev
--
+4% YoY--
OPM--
NPM--
PAT
-2% YoY▲1.7K Cr
EPS
-2% YoY▲1.3

Dec 2024

PDF
Rev
--
+0% YoY--
OPM--
NPM--
PAT
+2% YoY▲1.6K Cr
EPS
+2% YoY▲1.3

Sep 2024

PDF
Rev
--
+2% YoY--
OPM--
NPM--
PAT
+4% YoY▲1.6K Cr
EPS
+4% YoY▲1.2

Jun 2024

PDF
Rev
--
+1% YoY--
OPM--
NPM--
PAT
+1% YoY▼1.6K Cr
EPS
+2% YoY▼1.2

Mar 2024

PDF
Rev
--
+5% YoY--
OPM--
NPM--
PAT
+34% YoY▲1.7K Cr
EPS
+34% YoY▲1.3

Dec 2023

PDF
Rev
--
+8% YoY--
OPM--
NPM--
PAT
-2% YoY▲1.6K Cr
EPS
--▲1.2

Sep 2023

PDF
Rev
--
+16% YoY--
OPM--
NPM--
PAT
-10% YoY▼1.5K Cr
EPS
--▼1.2

Jun 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
-6% YoY▲1.6K Cr
EPS
--▲1.2

Mar 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
-14% YoY1.3K Cr
EPS
--1.0

Revenue & Margin Trends

Annual

Quarterly

Balance Sheet Health

Leverage

Debt / Equity0.00
Interest Coverage-3.8x
Promoter Pledge0.0%
Borrowings--

Efficiency

Receivable Days days
Inventory Days days
Payable Days days
Cash Conversion cycle days

Cash Position

Operating Cash Flow-27.0K Cr
Investing Cash Flow-3 Cr
Financing Cash Flow21.6K Cr
Free Cash Flow-27.0K Cr

Detailed Financials

Sep 2026PDF ↗
Jun 2026PDF ↗
Mar 2026PDF ↗
Dec 2025PDF ↗
Sep 2025PDF ↗
Jun 2025PDF ↗
Mar 2025PDF ↗
Dec 2024PDF ↗
Sep 2024PDF ↗
Jun 2024PDF ↗
Mar 2024PDF ↗
Dec 2023PDF ↗
Sep 2023PDF ↗
Jun 2023PDF ↗
Mar 2023PDF ↗
Sales------------------------------
Expenses47421181044947443938333435342947
Operating Profit------------------------------
Other Income58130-758031310331236
Interest5,9176,4215,5244,8124,5445,1244,9965,0955,2495,1554,7255,1045,1815,0914,895
Depreciation212111111221243
Profit Before Tax1,9581,9271,6841,8021,7771,7461,6821,6311,6131,5771,7171,5991,5451,5571,285
Tax %0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%
Net Profit1,9581,9271,6841,8021,7771,7461,6821,6311,6131,5771,7171,5991,5451,5571,285
Exceptional Items------------------------------
EPS (Rs)1.51.51.31.41.41.31.31.31.21.21.31.21.21.21.0
Sales Growth (YoY)23.4%19.5%9.1%-1.5%-7.7%2.2%3.8%0.4%2.0%1.3%4.5%8.3%16.4%----
Sales Growth (QoQ)------------------------------
OP Growth (YoY)------------------------------
OP Growth (QoQ)------------------------------
Profit Growth (YoY)10.0%10.0%0.0%11.0%10.0%11.0%-2.0%2.0%4.0%1.0%34.0%-2.0%-10.0%-6.0%-14.0%
EPS Growth (YoY)--9.7%0.0%10.4%10.6%10.7%-1.5%2.5%4.2%1.7%33.7%--------
EPS Growth (QoQ)--13.9%-6.5%1.5%1.5%3.9%3.2%1.6%1.6%-7.6%7.4%3.4%-0.8%21.4%--
OP Margin------------------------------
Net Margin------------------------------
Material Cost %------------------------------
Employee Cost %0.1%0.1%0.1%0.1%0.1%0.1%0.1%0.1%0.0%0.0%0.0%0.1%0.0%0.0%0.1%
P/S------------------------------
P/E13.6514.3516.60------------------------
P/B1.771.822.05------------------------

Shareholding Pattern

Shareholders:50.1L (+206.7%)
Current MixSep 2026

Exchange Filings

50
Company Update22 Oct 2026

Announcement under Regulation 30 (LODR) - Earnings Call Transcript for Q2 and Half Year ended 30.09.2026

Company Update16 Oct 2026

Announcement under Regulation 30(LODR)- Newspaper Publication- Un-audited Financial Results for Q2 and Half Year ended 30.09.2026

Company Update16 Oct 2026

Link of Audio Recording- Investor call Quarter and Half Year ended 30th September 2026

Corp. Action15 Oct 2026

Board announced record date for Interim Dividend i.e., 23rd October 2026

Company Update15 Oct 2026

Press Release - Unaudited financial results for quarter and half year ended 30.09.2026

Corp. Action15 Oct 2026

Board approved interim dividend FY 2026-27 in its meeting held on 15.10.2026

Result15 Oct 2026

Unaudited financial results for the quarter and half year ended 30.09.2026

Board Meeting15 Oct 2026

Outcome of Meeting of Board of Directors held on Thursday, 15th October 2026

Company Update08 Oct 2026

Announcement under Regulation 30 of SEBI LODR, 2015

Corp. Action07 Oct 2026

Corporate Action - Board to consider Dividend

Board Meeting07 Oct 2026

Indian Railway Finance Corporation Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 15/10/2026 ,inter alia, to consider and approve the Unaudited ....

Board Meeting07 Oct 2026

Indian Railway Finance Corporation Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 15/10/2026 ,inter alia, to consider and approve the Unaudited ....

Company Update07 Oct 2026

Certificate under Regulation 74(5) of SEBI (DP) Regulations, 2018

Company Update30 Sept 2026

Board Comments on Fine levied by the Exchanges

Company Update17 Sept 2026

Announcement under Regulation 30 of SEBI (LODR), 2015- Appointment of Statutory Auditors

Company Update10 Sept 2026

Announcement under Regulation 30 of SEBI LODR, 2015-Intimation for Appointment of Joint Statutory Auditor

Company Update03 Sept 2026

Announcement under Regulation 30 (LODR) - Credit Rating

Company Update26 Aug 2026

Intimation of newspaper publication under regulation of 47 of SEBI (LODR) Regulations, 2015

Company Update26 Aug 2026

Discloure under regulation 30 of SEBI(LODR) Regulations, 2015- Intimation of fine

Others25 Aug 2026

Outcome of Board meeting held on 25.08.2026

Company Update25 Aug 2026

Announcement under Regulation 30 of SEBI LODR, 2015

AGM/EGM25 Aug 2026

Proceeding of 39th Annual General Meeting

AGM/EGM25 Aug 2026

Scrutinizer Report for the 39th AGM

Company Update24 Aug 2026

Announcement under Regulation 30 of SEBI LODR, 2015

Company Update20 Aug 2026

Announcement under Regulation 30( LODR), 2015

Company Update13 Aug 2026

Announcement under Regulation 30- Change in Directors

Company Update06 Aug 2026

Announcement under Regulation 30- Earnings Call Transcript_Q1 FY2026-27

AGM/EGM01 Aug 2026

Notice of 39th AGM for the FY-2025-26

Others01 Aug 2026

BRSR 2025-26

Others01 Aug 2026

Submission of Annual Report for FY 2025-26

Result30 Jul 2026

Results - Financial Results for the quarter ended 30.06.2026

Company Update23 Jul 2026

Intimation of Conference Call with Analyst & Investor on Audited Financial Results for the Q1/FY26-27

Board Meeting22 Jul 2026

Indian Railway Finance Corporation Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 30/07/2026 ,inter alia, to consider and approve Intimation ....

Company Update22 Jul 2026

Board Comments on fines levied by Stock Exchanges

Company Update09 Jul 2026

Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018

Others30 Jun 2026

Outcome of Meeting of Board of Directors held on 30th June 2026

Company Update30 Jun 2026

Intimation of change in KMP

Company Update30 Jun 2026

Intimation of Change in Directorate

Company Update30 Jun 2026

Disclosure pursuant to Regulation 7(2)(b) of the SEBI (PIT) Regulation, 2015,as amended

Insider Trading / SAST30 Jun 2026

The Exchange has received the disclosure under Regulation 29(2) of SEBI (Substantial Acquisition of Shares & Takeovers) Regulations, 2011 for President of India

Company Update29 Jun 2026

Intimation of Change in Directorate under regulation 30 of SEBI (LODR) Regulations, 2015

Insider Trading / SAST25 Jun 2026

Closure of trading window for the quarter ended 30.06.2026

Company Update24 Jun 2026

With reference to the earlier announcement dated June 24, 2026 regarding Notice of Offer for Sale of Shares by Promoter, The President of India, acting through and represented by the Ministry ....

Company Update23 Jun 2026

Notice of the proposed Offer for Sale of equity shares of face value of Rs. 10 each ("Equity Shares") of Indian Railway Finance Corporation Limited (the "Company") by its Promoter, the ....

Company Update27 May 2026

Intimation of fine(s) levied by Stock Exchanges

Company Update25 May 2026

Press Release- IRFC signs Rs 13,527 cr refinancing deal for Hyderabad Metro in major push to urabn rail financing

Company Update22 May 2026

Press Release- IRFC raises JPY- equivalent USD 1.1 Billion ECB, marks first ECB in FY 2026-27

Company Update21 May 2026

Announcement under Regulation 30- Earnings Call Transcript

Company Update20 May 2026

Reg 24(A)- Annual Secretarial Compliance Report for the year ended 31st March 2026

Company Update15 May 2026

Announcement under Regulation 30 LODR - Newspaper Publication

Annual Reports

6

Credit Ratings

6
careRating update
08 Jul 2025Report
icraRating update
15 May 2025Report
careRating update
13 May 2025Report
crisilRating update
12 May 2025Report
icraRating update
07 Jun 2024Report
careRating update
05 Jun 2024Report

Concalls

17

Jan 2026

31 Jan 2026

Oct 2025

31 Oct 2025

Jul 2025

31 Jul 2025

May 2025

31 May 2025

Jan 2025

31 Jan 2025

Nov 2024

30 Nov 2024

May 2024

31 May 2024

Nov 2023

30 Nov 2023

Jun 2023

30 Jun 2023

Aug 2022

31 Aug 2022

May 2022

31 May 2022

Feb 2022

28 Feb 2022

Jan 2022

31 Jan 2022

Nov 2021

30 Nov 2021

Aug 2021

31 Aug 2021

Jun 2021

30 Jun 2021

Feb 2021

28 Feb 2021

Held by ETFs

34 ETFs hold IRFC · sorted by weight

#ETFWeight %
1

GROWWRAIL

GROWWAMC - GROWWRAIL

19.99%
2

SELECTIPO

MIRAEAMC - SELECTIPO

1.68%
3

MOIPO

MOTILALAMC - MOIPO

1.68%
4

GROWWPSE

GROWWAMC - GROWWPSE

1.49%
5

ABSLPSE

BIRLASLAMC-ABSLPSE

1.49%
6

MOPSE

MOTILALAMC - MOPSE

1.48%
7

MOINFRA

MOTILALAMC - MOINFRA

1.18%
8

FINIETF

ICICIPRAMC-ICICIFIN

1.07%
9

NIFTY100EW

KOTAKMAMC - NIFTY100EW

1.02%
10

JUNIORBEES

NIP IND ETF JUNIOR BEES

0.73%
11

NEXT50BETA

UTIAMC-NEXT50BETA

0.73%
12

NEXT50ADD

DSPAMC - NEXT50ADD

0.73%
13

NEXT50ETF

KOTAKMAMC - NEXT50ETF

0.73%
14

SETFNN50

SBI-ETF NIFTY NEXT 50

0.73%
15

MONEXT50

MOTILALAMC - MONEXT50

0.73%
16

NEXT50

MIRAEAMC - MANXT50

0.73%
17

NEXT50IETF

ICICIPRAMC - ICICINXT50

0.73%
18

ABSLNN50ET

BIRLASLAMC - ABSLNN50ET

0.73%
19

GROWWNXT50

GROWWAMC - GROWWNXT50

0.73%
20

ENEXT50

EDELAMC - ENEXT50

0.72%
21

EQUAL200

MIRAEAMC - EQUAL200

0.51%
22

MONIFTY100

MOTILALAMC - MONIFTY100

0.14%
23

HDFCNIF100

HDFCAMC - HDFCNIF100

0.14%
24

NIF100BEES

NIP IND ETF NIFTY 100

0.14%
25

NIF100IETF

ICICI PRUD NIFTY 100 ETF

0.14%
26

TOP100CASE

ZERODHAAMC - TOP100CASE

0.12%
27

LICNFNHGP

LICNAMC - LICNFNHGP

0.12%
28

GROWWN200

GROWWAMC - GROWWN200

0.11%
29

BSE500IETF

ICICIPRAMC - ICICI500

0.09%
30

HDFCBSE500

HDFCAMC - HDFCBSE500

0.09%
31

MONIFTY500

MOTILALAMC - MONIFTY500

0.09%
32

AONETOTAL

AONEAMC - AONETOTAL

0.09%
33

ELM250

EDELAMC - ELM250

0.07%
34

MULTICAP

MIRAEAMC - MULTICAP

0.07%

Held by Mutual Funds

37 schemes hold IRFC · sorted by weight

#SchemeWeight %
1

Groww Nifty India Railways PSU Index Fund

Groww Mutual Fund

18.93%
2

Kotak Nifty Financial Services Ex-Bank Index Fund

Kotak Mahindra Mutual Fund

1.15%
3

HDFC NIFTY 100 Equal Weight Index Fund

HDFC Mutual Fund

0.98%
4

Kotak Nifty 100 Equal Weight Index Fund

Kotak Mahindra Mutual Fund

0.94%
5

Sundaram Nifty 100 Equal Weight Fund

Sundaram Mutual Fund

0.86%
6

Kotak BSE PSU Index Fund

Kotak Mahindra Mutual Fund

0.82%
7

Motilal Oswal Nifty Next 50 Index Fund

Motilal Oswal Mutual Fund

0.78%
8

Kotak Nifty Next 50 Index Fund

Kotak Mahindra Mutual Fund

0.78%
9

Tata Nifty Next 50 Index Fund

Tata Mutual Fund

0.75%
10

UTI Nifty Next 50 Index Fund

UTI Mutual Fund

0.74%
11

Axis Nifty Next 50 Index Fund

Axis Mutual Fund

0.74%
12

ICICI Prudential Nifty Next 50 Index Direct-Growth

ICICI Prudential Mutual Fund

0.74%
13

SBI Nifty Next 50 Index Fund

SBI Mutual Fund

0.74%
14

HSBC Nifty Next 50 Index Fund

HSBC Mutual Fund

0.74%
15

Bandhan Nifty Next 50 Index Fund

Bandhan Mutual Fund

0.74%
16

Edelweiss Nifty Next 50 Index Fund

Edelweiss Mutual Fund

0.74%
17

HDFC NIFTY Next 50 Index Fund

HDFC Mutual Fund

0.74%
18

Nippon India Nifty 500 Equal Weight Index Fund

Nippon India Mutual Fund

0.20%
19

HDFC NIFTY 100 Index Fund

HDFC Mutual Fund

0.14%
20

Bandhan Nifty 100 Index Fund

IDFC Mutual Fund

0.14%
21

Axis Nifty 100 Index Fund

Axis Mutual Fund

0.14%
22

Motilal Oswal Nifty 500 Index Fund

Motilal Oswal Mutual Fund

0.10%
23

HDFC BSE 500 Index Fund

HDFC Mutual Fund

0.10%
24

Axis Nifty 500 Index Fund

Axis Mutual Fund

0.09%
25

ICICI Prudential Nifty 500 Index Fund

ICICI Prudential Mutual Fund

0.09%
26

Bandhan Nifty Total Market Index Fund

Bandhan Mutual Fund

0.09%
27

SBI Nifty 500 Index Fund

SBI Mutual Fund

0.09%
28

Groww Nifty Total Market Index Fund

Groww Mutual Fund

0.09%
29

Motilal Oswal BSE 1000 Index Fund

Motilal Oswal Mutual Fund

0.09%
30

HDFC Nifty500 Multicap 50:25:25 Index Fund

HDFC Mutual Fund

0.07%
31

Edelweiss NIFTY Large Mid Cap 250 Index Fund

Edelweiss Mutual Fund

0.07%
32

HDFC Nifty LargeMidcap 250 Index Fund

HDFC Mutual Fund

0.07%
33

ICICI Prudential Nifty LargeMidcap 250 Index Fund

ICICI Prudential Mutual Fund

0.07%
34

Edelweiss Nifty LargeMidcap250 Plus 8-13 Yr G-Sec 70:30 Index Fund

Edelweiss Mutual Fund

0.05%
35

SBI Arbitrage Fund

SBI Mutual Fund

0.01%
36

Kotak Arbitrage Fund

Kotak Mahindra Mutual Fund

0.00%
37

Invesco India Arbitrage Fund

Invesco Mutual Fund

0.00%